Last week, I met a lady who said she had figured out everything in her life. Then she added, “Sandeep, I have a fear—what if I make a mistake?”

I smiled and told her a simple secret. Wealthy families set aside 20% of their profits in a special fund. They call it a “growth fund.” This money is not just saved for emergencies—it is used for new ideas, new products, and new opportunities.

This way, even if they make a mistake, they have a safety net. They can try new things without fear because they know there is a fund to help them bounce back.

So, if you ever worry about making a mistake, remember the growth fund. It is a way to learn, grow, and move forward with confidence.

What do you think about having a growth fund? Let’s keep growing, one step at a time!

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Dr(HC) Sandeep N. Setty is a Bengaluru-based Family Continuity Architect advising business families, founders, promoter families, and affluent clients on continuity, control clarity, liquidity readiness, succession, governance, ownership structuring, estate equalization, and implementation coordination. His work focuses on helping families move from accumulated wealth to continuity-ready wealth by aligning family intent, ownership structures, documentation, decision rights, and advisor execution. He works discreetly with families and their existing CAs, lawyers, bankers, trustees, and key advisors where wealth, business interests, entities, and family dynamics have become too important to leave informal.